Apply for your Neon Card now and discover a new way of controlling your finances!
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The credit card market in Brazil has undergone a major transformation in recent years, driven by the advance of fintechs, which offer simpler, more modern and more accessible solutions.
Among these new options, the Neon Card has become a popular alternative for those looking for practicality and financial control without the traditional costs of conventional banks.
With a totally digital proposition, the Neon Card allows users to manage their account and transactions easily and intuitively, straight from their smartphone, and with no annual fee.
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As well as being a practical solution, the Neon Card offers benefits ranging from complete financial control, with features such as adjusting limits and visualising spending in real time, to cashback on purchases, an advantage that can be activated with an affordable plan.
With a monthly fee of R$ 4.90, you can get 0.5% cashback on the value of your purchases, whether credit or debit, which makes the Neon Card an attractive option for those who want to make their money go further with every transaction.
In this article, we'll explore all aspects of the Neon Card, explaining how it works, what its main features are, its advantages and disadvantages, as well as detailing the application process and clarifying the exclusive benefits it offers.
If you're looking for a digital and efficient credit card, without sacrificing security and agile service, read on to discover everything the Neon Card has to offer.
Quick Index:
What is the Neon Card?
The Neon Card is a financial solution created by Neon Pagamentos S.A., a Brazilian fintech that has revolutionised the way we deal with banking services.
Unlike traditional banks, Neon offers a completely digital experience, eliminating the need for physical branches and reducing bureaucracy.
With the Neon Card, you can have access to both a debit card and a credit card, managed completely through the Neon app, available for Android and iOS.
The card carries the Visa flag, guaranteeing wide acceptance in Brazil and abroad.
What's more, Neon stands out because it doesn't charge annual fees and offers a platform that is easy for its customers to access and understand. This makes it ideal for people who want simplicity and transparent financial control.
How does the Neon Card work?
The Neon Card is extremely intuitive to use. Everything is managed by the Neon app, where you can track your expenses, control limits and even block and unblock the card in the event of loss or theft.
The Neon Card can be issued as a debit or credit card, or both, depending on the profile and credit analysis carried out by the fintech.
In the app, customers have access to all the functionalities needed for good financial management, from viewing statements and spending history to the possibility of anticipating instalments and adjusting limits.
In addition, for those who opt for the credit card, there is the chance to accumulate points and cashback in some modalities, which makes the Neon Card an interesting option for those who want more advantages when using the card.
General features
| Features | Description |
|---|---|
| Card Name | Neon Card |
| Flag | Visa |
| Issuing Bank | Neon Pagamentos S.A. |
| Annuity | Zero annual fee |
| Cover | National and international |
| Available model | Debit and credit (subject to analysis) |
| Limit | Variable (determined by credit analysis) |
| Points Programme | It doesn't have its own points programme, but it does offer cashback on certain functions |
| Cashback programme | You need to subscribe to the R$4.90/month plan |
| Payment instalments | Up to 12 times, depending on the amount and credit analysis |
| Management App | Neon - available for Android and iOS |
Advantages
No annual fee: the Neon card has no annual fee.
Easy to apply for: The whole process of opening an account and applying for a card is done via the app, with no bureaucracy and no need to go to a physical branch.
Complete digital control: The Neon app offers all the tools needed to monitor spending, adjust limits and pay the bill, giving users complete autonomy.
International Functionality: The Visa Neon Card is accepted in millions of establishments around the world and allows international purchases.
Virtual Card: For those who like extra security when shopping online, Neon also offers the option of a virtual card, which can be generated and used directly through the app.
Cashback on Plan Contracts: The Neon Card offers cashback on purchases, but to take advantage of this benefit, you need to sign up for a specific plan. By clicking on "Contract plan" in the app, for R$ 4.90 per month, the customer will earn 0.5% of the value of each purchase, both credit and debit. This option can be interesting for those who want to get a return on their monthly spending.
Visa benefits: Neon offers additional advantages through Visa, such as the Vai de Visa programme, which includes offers and benefits at the network's partners.
Disadvantages
Cashback plan required: Unlike other cards that offer automatic cashback, with Neon you have to subscribe to a specific plan, which costs an additional R$ 4.90/month.
No Points Programme: Neon doesn't have a robust points programme, which can be a negative point for users looking to accumulate miles or loyalty points.
Variable Credit Limit: The credit limit is defined according to the profile and credit analysis, which can mean a low initial limit for some customers.
Absence of a physical branch: Although this is an advantage for some, those who prefer face-to-face service may miss an agency for support in more complex cases.
Some Applicable Tariffs: Although there is no annual fee, some extra charges may apply for specific services, such as transfers to other banks and withdrawals from the 24-hour network.
How do I apply for a Neon Card?
Applying for the Neon Card is a quick and uncomplicated process that can be done directly through the application. Here are the steps to secure your card:
- Download the Neon App: Available in the Google Play Store (for Android) and the Apple App Store (for iOS), the app is essential to the whole process.
- Open your Neon Account: To apply for the card, you'll first need to open a Neon digital account. The process is simple, you'll need to fill in some information and send a photo of your identification documents.
- Request the Credit Function: Once your account is open, you can apply for the credit function of the Neon Card. A credit analysis will be carried out to determine approval and the limit granted.
- Wait for approval: The analysis process can take a few days, and you will be notified by the app of approval.
- Receive the card: Once approved, the physical card will be sent to the registered address. In the meantime, you can use the virtual card for online purchases.
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Exclusive Benefits
In addition to the basic functionalities and advantages of the Neon Card, the fintech offers some additional benefits that are worth mentioning:
Visa benefits: Neon is a Visa card, so customers can take advantage of the Vai de Visa programme, with special offers, discounts on products and services and benefits at Visa partners.
Free Virtual Card: With the virtual card, customers can shop online securely, reducing the risk of fraud.
Cashback on Specific Purchases: In some modalities, it is possible to obtain cashback, giving you a financial return on your spending.
Digital Financial Assistance: Neon offers various educational materials on personal finance, such as Neon+, which helps you maximise the use of your card and save more.
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Continue reading →Final considerations
The Neon Card is an excellent option for those who want practicality, modernity and financial control.
With no annual fee, a completely digital experience and wide national and international acceptance, Neon offers an interesting alternative to traditional banks.
The fintech is able to combine an efficient service with low costs, ideal for those who want to have an account and a card without abusive fees and with practical day-to-day functions.
On the other hand, it's important to remember that Neon doesn't have a structured points programme, which can be a disadvantage for users looking for travel benefits such as miles. Even so, the cashback on selected purchases can be attractive to different user profiles.
Overall, the Neon Card stands out for its simplicity and its focus on an audience that values the digital experience, avoiding complications and unnecessary costs.
Frequently Asked Questions
Does the Neon Card have an annual fee?
No, the Neon Card is completely free of annual fees.
Can I use my Neon Card abroad?
Yes, the Neon Card is a Visa card and is accepted internationally.
Does the Neon Card have a points programme?
It doesn't have a robust points programme, but it does offer cashback on some specific purchases.
How do I apply for a Neon Card?
Simply download the Neon app, open an account and request the credit function within the app.
Is the Neon Card limit high?
The limit is defined on the basis of a credit analysis and can vary according to the client's profile.
What fees does the Neon Card have?
In addition to being annuity-free, some fees may apply for transfers and withdrawals on the 24Horas network.
Does Neon have a face-to-face service?
No, all customer service is done digitally, through the app and online support channels.
